BlastPoint's Banking Scorecard

First National Bank of Tennessee

$1B-$10B Specialty: Commercial TN FDIC cert 19502

Designations: ✓ Community bank

Livingston, TN

7 branches across TN

884 banks in the $1B-$10B peer group nationally 28 in TN

First National Bank of Tennessee has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 29.4% in tier
+ Net Interest Margin 0.23% above tier average
+ Efficiency Ratio 9.50% below tier average
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.6% in tier
- Credit Quality Pressure: Bottom 22.2% in tier
- Capital Thin: Bottom 26.2% in tier

Get updates when First National Bank of Tennessee releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$1.4B +2.2% YoY +0.8% QoQ	-$1.5B	$2.8B -0.1% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$689.2M +1.4% YoY -2.6% QoQ	-$1.3B	$2.0B +0.6% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Bottom 8.0% in tier
Total Deposits ?	$1.2B +2.3% YoY +0.3% QoQ	-$1.2B	$2.3B -0.3% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	30%
Return on Assets ?	2.11% +19.0% YoY +6.1% QoQ	+0.74%	1.37% +19.6% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Top 7.8% in tier
Net Interest Margin ?	4.04% +5.8% YoY -2.2% QoQ	+0.23%	3.82% +6.9% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	51.56% -9.5% YoY -6.6% QoQ	-9.50%	61.06% -4.6% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.30% +47.6% YoY +86.3% QoQ	-0.59%	0.89% +14.1% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	57.77% -0.9% YoY -2.9% QoQ	-26.43%	84.20% +0.3% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Top 6.2% in tier
Non-Interest-Bearing Deposit Share ?	25.99% +0.4% YoY +0.0% QoQ	+4.70%	21.29% -2.5% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.15% +46.4% YoY +80.1% QoQ	-0.52%	0.67% +15.6% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	11.14% -1.0% YoY +5.4% QoQ	-4.02%	15.16% +2.0% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.11% +2.9% YoY -75.0% QoQ	-0.15%	0.26% +1.6% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	36%

Get Full Access to First National Bank of Tennessee

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#66 of 221 • Top 29.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.11%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#12 of 420 • Bottom 2.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#115 of 513 • Bottom 22.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.30%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Capital Thin

risk

#59 of 221 • Bottom 26.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.14%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 57.77%

Peer Median: 84.20%

#56 of 884 Top 6.2% in $1B-$10B

Return on Assets

profitability

Value: 2.11%

Peer Median: 1.37%

#70 of 884 Top 7.8% in $1B-$10B

189

Nonperforming Asset Ratio

credit_quality

Value: 0.15%

Peer Median: 0.67%

#189 of 884 Top 21.3% in $1B-$10B

Top Weaknesses (2 metrics)

814

Total Loans

size

Value: $689.19M

Peer Median: $1.96B

#814 of 884 Bottom 8.0% in $1B-$10B

718

Tier 1 Capital Ratio

capital

Value: 11.14%

Peer Median: 15.16%

#718 of 884 Bottom 18.9% in $1B-$10B